Effective date: 25 August 2026. This Payment Policy explains how billing and payments work for ChatOwl and forms part of our Terms of Service. See also our Refund & Cancellation Policy. All fees are in Malaysian Ringgit (MYR).
1. Accepted payment methods
Payments are collected through our secure third-party payment gateway, which supports FPX online banking and credit / debit cards (and other methods the gateway may offer). Bank transfer is available by prior arrangement.
2. Currency
All prices and charges are in Malaysian Ringgit (MYR / RM).
3. What you are charged
The recurring plan fee for your chosen plan (Starter RM299 / Pro RM499 / Business RM999 per month, or the annual equivalent charged as 10 months for 12), plus, where it applies, a one-time RM1,000 Setup & Onboarding fee. Prices exclude SST unless and until we become SST-registered.
4. When you are charged
Subscriptions are billed in advance. You are charged when you start your subscription and on each renewal date (monthly, quarterly, semi-annually or annually, per your chosen cycle) until you cancel.
5. Payment security
Card and online-banking payments are processed by our PCI-DSS-compliant payment gateway. ChatOwl does not see or store your full card number on our servers. See our Security Policy for more.
6. Receipts
A receipt / invoice is issued for each successful payment.
7. Failed or late payments
If a payment fails and is not settled within 7 days, we may pause the service until it is paid. Fair-use conversation caps apply per plan; usage above the cap may incur an agreed overage or a plan upgrade.
8. Refunds
Refunds and cancellations are governed by our Refund & Cancellation Policy, including a 14-day money-back guarantee for new Clients.
9. Contact
hello@chatowl.my · 011-1205 2265 · C2-37-02, Arte Cheras, Taman Midah, Cheras, 56000 Kuala Lumpur, Wilayah Persekutuan. Data-protection contact: Lee Hao Ying (owner).